TellerScore

First Southwest Bank is a state-chartered bank headquartered in Durango, Colorado, in business for about 22 years. At the end of Q2 2026 it reported $657.5M in total assets and $491.7M in deposits, with 6 offices.

Based on its Q2 2026 filing, First Southwest Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 7th. Its strongest component is capital cushion (100/100; 15.31%), and its lowest is earnings (44/100; 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.31%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 68.6% · 21.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (82 → 86), mostly because the earnings component improved by 12 points.

TellerScore
818588Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202485
Q4 202488
Q1 202581
Q2 202582
Q3 202587
Q4 202587
Q1 202687
Q2 202686
Tier 1 leverage ratio
5.00%12.41%19.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.65%
Q3 202419.81%
Q4 202419.30%
Q1 202518.64%
Q2 202516.98%
Q3 202516.74%
Q4 202515.31%
Q1 202615.15%
Q2 202615.31%
Noncurrent loans
0.00%0.16%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.13%
Q4 20240.12%
Q1 20250.22%
Q2 20250.31%
Q3 20250.06%
Q4 20250.12%
Q1 20260.05%
Q2 20260.04%
Return on assets
0.11%0.60%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.75%
Q4 20241.08%
Q1 20250.11%
Q2 20250.31%
Q3 20250.64%
Q4 20250.81%
Q1 20260.69%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$657.5M15.31%0.04%0.60%68.6%
Q1 202687$646.7M15.15%0.05%0.69%68.8%
Q4 202587$663.5M15.31%0.12%0.81%66.3%
Q3 202587$654.1M16.74%0.06%0.64%65.4%
Q2 202582$623.5M16.98%0.31%0.31%67.5%
Q1 202581$598.3M18.64%0.22%0.11%69.4%
Q4 202488$565.8M19.30%0.12%1.08%75.2%
Q3 202485$540.1M19.81%0.13%0.75%78.7%
Q2 202484$529.1M19.65%0.00%0.63%76.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.31%
88th
Total risk-based capital27.81%
95th
Problem loans0.04%
80th
Net charge-offs0.05%
28th
Return on assets0.60%
15th
Net interest margin3.43%
25th
Efficiency ratio79.9%
14th
Loans to deposits68.6%
71st
Uninsured deposits21.5%
59th
Loan-loss reserves1.32%
65th
Texas ratio0.3%
82nd

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Stockmens BankBank Colorado Springs, CO75 out of 100, Strong$650.8M10.6%0.18%vs
High Plains BankBank Flagler, CO74 out of 100, Strong$643.1M9.6%0.70%vs
First National Bank ColoradoBank Las Animas, CO85 out of 100, Very strong$634.3M11.8%0.00%vs
Yampa Valley BankBank Steamboat Springs, CO78 out of 100, Strong$687.6M9.4%0.09%vs
The Eastern Colorado BankBank Cheyenne Wells, CO77 out of 100, Strong$720.9M11.3%0.00%vs
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs

Deposit insurance

Is my money safe at First Southwest Bank?

Yes. First Southwest Bank is an FDIC-insured institution (FDIC certificate #57741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.5% of deposits ($105.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.81% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

First Southwest Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Southwest Bank
Type
State-chartered bank
FDIC certificate #
57741
RSSD ID
3224302
Primary regulator
FDIC
Holding company
First Southwest Bcorp Inc
Established
July 9, 2004
Headquarters
600 E 2nd Ave, Durango, CO 81301
Employees
95

Quick answers

First Southwest Bank: common questions

Is First Southwest Bank FDIC insured?

Yes. First Southwest Bank is an FDIC-insured institution (FDIC certificate #57741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Southwest Bank's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Southwest Bank ever failed?

There is no failure record for FDIC certificate #57741 in the FDIC failed bank list.

How many branches does First Southwest Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Durango

InstitutionScoreAssetsCapitalProblem loansCompare
Four Corners Community BankBank Farmington, NM75 out of 100, Strong$662.3M9.6%0.35%vs
Bank of ColoradoBank Fort Collins, CO74 out of 100, Strong$7.6B10.5%0.10%vs
Alpine BankBank Glenwood Springs, CO73 out of 100, Strong$6.7B11.0%0.31%vs
The Central Trust BankBank Jefferson City, MO69 out of 100, Moderate$20.3B7.9%0.49%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs